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INTR 
Inter & Co. Inc. Class A Common Shares (INTR)
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Upturn Advisory Summary
12/24/2025: INTR (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
10 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $9.69
1 Year Target Price $9.69
| 5 | Strong Buy |
| 3 | Buy |
| 1 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 59.82% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/24/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.68B USD | Price to earnings Ratio 16.72 | 1Y Target Price 9.69 |
Price to earnings Ratio 16.72 | 1Y Target Price 9.69 | ||
Volume (30-day avg) 10 | Beta 1.15 | 52 Weeks Range 3.94 - 10.22 | Updated Date 12/25/2025 |
52 Weeks Range 3.94 - 10.22 | Updated Date 12/25/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.5 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.56% | Operating Margin (TTM) 28.35% |
Management Effectiveness
Return on Assets (TTM) 1.6% | Return on Equity (TTM) 13.81% |
Valuation
Trailing PE 16.72 | Forward PE 10.47 | Enterprise Value 23430035456 | Price to Sales(TTM) 0.65 |
Enterprise Value 23430035456 | Price to Sales(TTM) 0.65 | ||
Enterprise Value to Revenue 3.73 | Enterprise Value to EBITDA - | Shares Outstanding 323145718 | Shares Floating 204165597 |
Shares Outstanding 323145718 | Shares Floating 204165597 | ||
Percent Insiders 20.04 | Percent Institutions 33.9 |
Upturn AI SWOT
Inter & Co. Inc. Class A Common Shares
Company Overview
History and Background
Inter & Co. Inc. (NASDAQ: INTR) is a leading technology company in Brazil, founded in 2007. It has evolved from a digital bank into a comprehensive financial ecosystem, offering a wide range of financial and non-financial services. Key milestones include its IPO on NASDAQ in 2021, solidifying its position as a significant player in the Brazilian fintech landscape. The company has consistently expanded its offerings through organic growth and strategic acquisitions.
Core Business Areas
- Financial Services: Inter provides a digital banking platform that includes current and savings accounts, credit cards, loans, investments, insurance, and international remittance services. It aims to be a one-stop shop for all of its customers' financial needs.
- E-commerce and Marketplace: The company operates a marketplace that connects consumers with various merchants, offering a wide range of products and services. This segment aims to complement the financial services by providing lifestyle and retail offerings.
- Investment Platform: Inter offers a robust investment platform that allows users to access a diverse portfolio of financial products, including stocks, fixed income, funds, and cryptocurrencies.
- Other Services: This includes a range of ancillary services such as travel, mobile top-ups, and bill payments, further integrating into the daily lives of its users.
Leadership and Structure
Inter & Co. Inc. is led by a management team with extensive experience in technology and finance. The company is structured around its core business segments, with dedicated teams focusing on innovation, customer experience, and operational efficiency. Key leadership positions include CEO, CFO, and heads of technology, operations, and product development.
Top Products and Market Share
Key Offerings
- Digital Banking Account: A comprehensive, fee-free digital bank account offering savings, checking, credit cards, and personal loans. Competitors include Nubank, Banco Inter (itself), C6 Bank, and traditional banks like Itau00fa Unibanco and Banco Bradesco.
- Investment Platform (Inter Invest): A platform offering access to a wide array of investment products including stocks, fixed income, ETFs, mutual funds, and cryptocurrencies. Key competitors include XP Inc., BTG Pactual, and NuInvest (Nubank).
- Inter Marketplace: An e-commerce platform integrating retail and financial services, offering a diverse range of products from various merchants. Competitors include Mercado Livre, Amazon Brasil, and other major e-commerce players in Brazil.
- Credit Products: Includes credit cards with rewards programs, personal loans, and mortgage solutions designed for the Brazilian market. Major competitors in the credit card space include Nubank and traditional banks, while loan competitors are diverse.
Market Dynamics
Industry Overview
Inter operates within the rapidly growing Brazilian fintech and digital banking sector, characterized by increasing digital adoption, a large unbanked and underbanked population, and strong regulatory support for financial innovation. The e-commerce sector in Brazil is also experiencing robust growth.
Positioning
Inter is positioned as a leading super-app in Brazil, offering a unique integrated ecosystem of financial and lifestyle services. Its competitive advantages include its fee-free banking model, a broad customer base, and a commitment to continuous innovation and expansion of its service offerings. The company benefits from strong network effects within its ecosystem.
Total Addressable Market (TAM)
The total addressable market for financial services and e-commerce in Brazil is substantial, estimated to be in the hundreds of billions of US dollars. Inter is well-positioned to capture a significant share of this market by catering to both banked and unbanked populations with its comprehensive digital offerings.
Upturn SWOT Analysis
Strengths
- Integrated Ecosystem (Super-App)
- Fee-Free Banking Model
- Strong Brand Recognition in Brazil
- Growing Customer Base and Engagement
- Technological Innovation and Agility
Weaknesses
- Reliance on Brazilian Market
- Intense Competition from established players and startups
- Potential for regulatory changes impacting fintechs
- Customer acquisition cost can be high
Opportunities
- Expansion into new financial products and services
- Further penetration into rural and underserved areas
- International expansion (potential)
- Partnerships and strategic alliances
- Leveraging data analytics for personalized offerings
Threats
- Increased competition and price wars
- Cybersecurity risks and data breaches
- Economic downturns in Brazil affecting consumer spending
- Changes in regulatory landscape
- Emergence of disruptive new technologies
Competitors and Market Share
Key Competitors
- Nubank (NUBANK)
- XP Inc. (XP)
- C6 Bank
- BTG Pactual (BPAC11)
- Itau00fa Unibanco (ITUB)
- Banco Bradesco (BBD)
Competitive Landscape
Inter's main advantage lies in its integrated super-app model offering both financial and lifestyle services with a strong fee-free proposition. However, it faces intense competition from digitally native banks like Nubank and established traditional banks with vast customer bases and resources. XP Inc. is a strong competitor in the investment segment. Inter differentiates itself by focusing on a holistic customer experience rather than just individual product offerings.
Growth Trajectory and Initiatives
Historical Growth: Inter has experienced rapid historical growth, marked by a significant increase in its customer base, expansion of its product portfolio, and consistent revenue growth. Its transition to a publicly traded company has provided capital for further expansion. The company has consistently been a leader in digital account openings and customer engagement in Brazil.
Future Projections: Analyst estimates for Inter's future growth are generally positive, projecting continued expansion in its customer base, revenue from its diverse segments, and a path towards sustained profitability. Projections often emphasize the growth potential within the Brazilian fintech and e-commerce markets.
Recent Initiatives: Recent initiatives include the continued development and integration of its super-app features, expansion of its credit offerings, enhancement of its investment platform, and strategic partnerships to broaden its ecosystem. The company has also been focused on optimizing its operational efficiency and customer experience.
Summary
Inter & Co. Inc. is a rapidly growing Brazilian fintech aiming to be a comprehensive super-app. Its integrated ecosystem of financial and lifestyle services, coupled with a fee-free model, presents strong competitive advantages in a large and expanding market. While facing significant competition, its technological innovation and customer-centric approach position it well for continued growth. The company's focus on profitability and strategic expansion will be key to its long-term success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Inter & Co. Inc. Investor Relations
- Financial news outlets (e.g., Bloomberg, Reuters)
- Industry analysis reports
- Company filings (e.g., SEC filings)
Disclaimers:
This information is for informational purposes only and does not constitute investment advice. Financial data and market share estimates are subject to change and may vary depending on the source. Users should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Inter & Co. Inc. Class A Common Shares
Exchange NASDAQ | Headquaters Belo Horizonte, MG, Brazil | ||
IPO Launch date 2022-06-23 | CEO of Inter Invest Mr. Felipe Bottino | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://inter.co |
Full time employees - | Website https://inter.co | ||
Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage, and inter shop businesses in Brazil and the United States. The company offers banking products and services, including checking accounts; cards; deposits; loans and advances; and other services, as well as debt collection; foreign exchange and financial services; and global account digital solution. It also provides acquisition, sale, and custody of securities; structures and distributes securities; and operates management of fund portfolios and other assets. In addition, the company offers insurance products including warranties, life, property, and automobile insurance; pension products; and consortium products. Further, it engages in the sale of goods and/or services through digital platform. Inter & Co, Inc. was founded in 1994 and is headquartered in Belo Horizonte, Brazil.
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